In a case last week, the court found that a necessary factor in the abuse of discretion analysis for MetLife's denying a claim for long-term disability benefits is MetLife's undisputed structural conflict of interest as both claim administrator and payor. "MetLife's conflict is compounded by its reliance on allegedly biased physician reviewers. Critical gaps in the administrative record render it insufficient to properly vet the influence of MetLife's conflict, as compounded by its reliance on the physician reviewers, on its exercise of discretion", the court reasoned.
No matter what your disability, the most important element of an application for SSDI/SSI is medical records and reports. The doctors who treat your condition regularly are the best source of information regarding your particular condition, symptoms, side effects, medications, treatment options and progress.